six Wessex Searches Wessex Water, Claverton Down, Bath, BA2 7WW T: E: ConveySure Title Insurance

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1 six Conveyancing Liability Solutions Limited (CLS) provides the UK and European property markets with innovative solutions to aid the conveyancing process. CLS has rapidly grown since it was founded in 2005, creating market leading products for property transactions: ConveySure Title Insurance ConveySure is CLS suite of residential and commercial title insurance products for conveyancers, offering both online and offline solutions: Immediate cover online - Online we provide a comprehensive suite of title insurance policies which includes Planning and Building Regulations, Restrictive Covenants and Absence of Easements. Expert Underwriters offline - Offline we tailor bespoke solutions to solve complex transactional title issues including, Rights of Light, Village Greens and Judicial Review. CLS insurance is underwritten by our in-house team of legally qualified underwriters with AA- rated capacity, giving your clients access to the highest rated security available in the UK property market. ConveyCheck Searches and Surveys ConveyCheck offers best in class searches and surveys requested in conveyancing transactions, including the following: ChancelCheck is an instant, low cost, online screening report designed for the conveyancing professional to identify where a property is within a parish where there is a continuing potential to charge for chancel repair liability. Full Chancel Repair Search identifies whether a property is situated in a liable plot that is subject to chancel repair liability. Home Condition Survey is a clear, concise and cost effective report carried out by qualified surveyors on the condition of a domestic property. ChancelSure Chancel Insurance ChancelSure is the market leading indemnity product, providing comprehensive protection and security for the homeowner, where a potential or actual risk is identified.

2 seven Background ConveySure is a comprehensive suite of title insurance products available for both commercial and residential property transactions. Our online suite of title insurance products gives you access to over 40 residential and commercial policies with the most competitive premiums and limits of indemnity up to 3 million as standard. We cover a wide range of risks that may be identified in the conveyancing process from Restrictive Covenants and Absence of Easement to Planning and Building Regulations and Contaminated Land. CLS insurance is underwritten by AA- rated insurance capacity giving your clients access to the highest rated security available in the UK property market. Market Leading Cover ConveySure provides a market leading cover in every product benefits include: Most competitive premiums In perpetuity cover Best in class cover 200% Escalator clauses. Expert, in-house, legally qualified underwriters for bespoke policies How to order title insurance? Immediate cover online It really couldn t be easier to order a title insurance product online. You simply log in, select the policy that you require with the cover needed and order. Your insurance policy will then be returned to you instantly via and will be on risk immediately. Case Files & Quotes CLS has developed a Case Files system to help you manage all of your orders more effectively. Now you can get an initial quote and store this online, allowing you to place the policy on risk on the day of completion. For every quote you generate on the system a draft policy wording will automatically be ed to you and saved in your Case File, making it easy to provide this to a third party. Can t meet the underwriting criteria online? For those transactions where you cannot comply with the underwriting criteria online, our expert team of underwriters will assist you offline. We understand the need for rapid response in time critical situations and focus on delivering solutions, that mitigate risk, in the most cost effective way possible. CLS dedicated underwriting team provides a single point of contact for all of your title insurance needs.

3 eleven Background The Land Registration Act 2002 (which came into force in 2003), qualified that the Church of England and Wales had a 10-year period to disclose and register their interests against the titles of liable properties or forfeit the right to enforce the chancel repair liability in the future. However, the liability doesn t stop after 12th October 2013 as any registration will mean the liability is placed on the title deeds in perpetuity. As the number of Diocese looking to register properties continues to increase as the deadline approaches, so does the likelihood of registration. Product Information Where a property has been identified as being within a Parish that retains the right to charge for repairs to the chancel of the Parish church, ChancelSure offers a cost effective solution, protecting the owner/occupier, mortgagee, lessees and successors if required. ChancelSure is the market leading chancel repair indemnity product, providing comprehensive protection and security for the homeowner. It provides your clients with the highest and most consistently rated security in our market. ChancelSure policies have been specifically designed to work in conjunction with ChancelCheck and are fully compliant with both lender and Law Society requirements. Features include: Available for residential and commercial properties Diminution in value 200% escalator clause Up to 3m cover as standard online for both residential and commercial Option for 25, 35 years and in perpetuity cover. Bespoke policies are available for larger areas of land, higher limits of indemnity, developments or where there is prior knowledge of a risk, a caution noted in the title deeds, and/or a full chancel repair search has been carried out identifying a confirmed risk. Our team of legally qualified expert underwriters are available to discuss these and other issues, to tailor a solution for your clients.

4 twelve Background Chancel repair liability is a medieval anomaly whereby the Parish Church was granted powers to charge those owning rectorial land for the upkeep of the chancel of the church. Chancel repair liability is still an overriding interest and currently attaches itself to land regardless of whether or not the liability is noted against the title, making the prospective risk unquantifiable. The Land Registration Act 2002 (which came into force in 2003), qualified that the Church of England and Wales had a 10-year period to disclose and register their interests against the titles of liable properties or forfeit the right to enforce the chancel repair liability in the future. However, the liability doesn t stop after 12th October 2013 as any registration will mean the liability is placed on the title deeds in perpetuity. As the number of Diocese looking to register properties continues to increase as the deadline approaches, so does the likelihood of registration. ChancelCheck The Product ChancelCheck is a unique, instant, low cost screening report designed to identify parishes where there is a continuing potential to charge for repairs to the parish church chancel, as recorded by the National Archive. ChancelCheck offers the following benefits: Uses a simple, easy to use ordering system Results are delivered instantly via along with an invoice Available online 24/7. Once ordered the ChancelCheck will be returned to you instantly with one of two results: Certificate If the property falls within a parish that does not have the ability to claim for chancel repair liability, the search will come back as a certificate. Report If the property falls within a parish that has the ability to claim chancel repair liability, the property has a potential liability and the search will come back as a Report. Where an issue has been identified ChancelSure will cover the potential risk. Common Misconceptions That a chancel repair search of any kind is not a usual and necessary search Local knowledge should be relied upon, when historical parish boundaries are rarely known Only older properties can be affected Welsh properties are not affected The property needs to be close to a church Indemnity insurance is not available where a potential or actual risk is identified Chancel repair liability ends in 2013 (please see above)

5 thirteen supported by Background CLS has a proven track record of providing innovative solutions to the UK property market that actively streamline the conveyancing process. TitleChecker is a unique report that automates the task of investigating a title and examines Land Registry records and the relevant parts of the CML Handbook Part 1 and Part 2 (where lender identified) to identify elements that require attention. TitleChecker presents results in an easy to read format and offers the following benefits: Saves time and money by automating title investigation Assists with due diligence and informing the client Suggests solutions to issues raised in the title Reduces the risk of error within a logic process oriented part of conveyancing TitleChecker is provided with the benefit of a Search Insurance policy offering cover up to a market value of 2m where there is an error in the Land Registry data All TitleChecker reports are Carbon Balanced via our partners Future Groop How does TitleChecker work? TitleChecker identifies elements of the title that require attention and where possible will suggest a solution to enable the transaction to proceed. The report is split into three sections: 1. PROPERTY DETAIL The basic elements of the Land Registry title, e.g. tenure or grade of title. 2. OWNERSHIP Identifies matters that may affect the proprietors legal and/or beneficial interest in the property, e.g. a caution or notice. 3. USE Relates to matters that may affect the proprietors intended use of the property, e.g. restrictive covenants or mineral rights.

6 thirteen TitleChecker offers a summarised result for each of the above sections, itemised clearly at the top of the report. The overview analysis of each component is listed below. Where the report requires attention or is critical, details from the OC1 and CML Handbook are provided. Validated / No Entry On Title Attention Required? Critical This aspect of the title complies with the CML Handbook Part 1 and Part 2 (where lender identified) and/or there are no adverse matters on the title. There may be a discrepancy between the instructed information compared to the title OR this element of the title is deemed adverse. There is an element of the title that fundamentally contravenes with the lending criteria of the proposed new lender. ConveySure Title Insurance: Where TitleChecker identifies insurable risks; ConveySure and ChancelSure will provide market leading cover with a 20% discount. Simply enter your TitleChecker Voucher Code online at to receive this discount.

7 Future Climate Info Environmental Reports TitleChecker Searches and Surveys ChancelSure Chancel Insurance ChancelCheck Searches and Surveys User Guide Future Climate Info - Suite of Envrionmental Reports Online Title Insurance About CLS fourteen Future Climate Info User Guide and Ordering Process Future Climate Info has created an innovative suite of Environmental Reports that analyses data on Contaminated Land, Flood, Ground Stability and Energy & Infrastructure. This is a guide of how to use our website and order Future Climate Info Reports 24/7. If you have any trouble just pick up the phone and call us on Click Log In If you have already registered or are an existing customer you can quickly log in. Click on the Products tab, and select ConveyCheck from the dropdown menu This will open a list of searches and surveys To find out more about Future Climate Info s suite of Environmental Reports contact us on or sales@clsl.co.uk. Trust Innovation Expertise - Think CLS

8 Future Climate Info Environmental Reports TitleChecker Searches and Surveys ChancelSure Chancel Insurance ChancelCheck Online Searches and Surveys User Guide Title Insurance Future Climate Info - Suite of Envrionmental Reports About CLS fourteen Click the relevant product Click on the environmental search that you require and start the order. Enter property details Enter your client reference and the details requested to complete the search or survey. Complete the order By completing an order, the report will be ed to you immediately and will also be stored in the Case Files section on the website. Confirm Order To find out more about Future Climate Info s suite of Environmental Reports contact us on or sales@clsl.co.uk. Trust Innovation Expertise - Think CLS